Only 12 states require NMLS  you can go the NMLS website very easy just type that in your browser then do agent look up.. and type in the persons name.. for instance type in my name and you will see me come up.. this is the federal registry.. and U need a state license as well as this.for the other states this is not required. 

I’ve received the inspection report, which shows the boiler needs some work (baseboard heat) and the electric panel needs replaced (federal pacific box).

Federal Hill and C/D areas Belair Edision, Biddle Street areas) and several In regular Maryland markets, like Bowie, Crofton, Severn, and Washington DC.  

If you use a federally-backed loan like FHA or VA, the standards for property condition are extremely tight. 

Also does not hurt to try to find captive companies that are competitive on price as they at times have better claims service and more comprehensive policy with agents who know the products better as they only have to know 1 company policy vs 10. in Minnesota Farm Bureau, federated etc..

What I had initially approved I had to then decline or face the wrath of Federal Regulators when the loan was reviewed.

HELOC lenders have no federal backing, no Fannie, no FHA, no Freddie.

I used a home equity loan (Pentagon Federal Credit Union) several times during 2007 - 2013 to finance buy/repair/hold SFHs. 

Mortgage ChecklistThe following information is usually required during the loan process:Pay stubs covering most recent thirty daysCopy of current government-issued ID (driver’s license, passport, etc)W-2 statements covering the past two yearsBank statements covering the most recent two months (with all pages)401K, IRA, or Mutual Fund accounts showing most recent transaction summaryStocks or certificates of deposit (copies)Purchase and sales agreement (copy)12 months cancelled rent checks or the name and address of your current landlord (if applicable)Fully executed divorce decree (if applicable)Deed, hazard insurance policy, and most recent tax bill if you are refinancing (copies)A letter explaining any known credit problems or fluctuations in incomeIf you are self-employed, paid by commission, or own real estate used for rental purposes you will need to produce:Two years signed personal federal income tax returns including all schedulesIf self-employed through a corporation, the last two years' corporate returns as well as a year-to-date profit and loss statement and balance sheetIf additional information or documentation is requested, please provide it immediately.If you are retired, you will need to produce:Two years of signed personal federal income tax returns, including all schedulesMost Recent 1099’s (if applicable)Most Recent Pension or Social Security Awards Letter401k or Retirement Account Statement (if taking distributions)

Here's one example:  https://www.questtrustcompany.com/education-center/fdic-federal-deposit-insurance-corporation-information-on-insured-deposits-in-your-ira/